No one should say you shouldn't have a phone. But we all have choices and should make them without blaming the seller for their prices and policies . I do always have a buffer, which more than covered the 6 day change in my bill due date.
You wont see me with a micheal Korrs handbag or Prada shoes. Not quite the same, but kind of.
Verizon is one of the higher priced carriers, but isn't the only option. And its MVNOs offer the same coverages. I don't buy phones from the carrier, which saves me a bundle. so it allows me to keep my "name brand" carrier.